<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by http://luca.auditchain.finance -->
<!--2026-01-31 19.01.34-->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" 
		xmlns:xlink="http://www.w3.org/1999/xlink" 
		xmlns:link="http://www.xbrl.org/2003/linkbase" 
		xmlns:xbrli="http://www.xbrl.org/2003/instance" 
		xmlns:num="http://www.xbrl.org/dtr/type/numeric" 
		xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" 
		xmlns:xbrldt="http://xbrl.org/2005/xbrldt" 
		xmlns:generic="http://xbrl.org/2008/generic"  
		elementFormDefault="qualified"  targetNamespace="http://luca.auditchain.finance/fac" xmlns:fac="http://luca.auditchain.finance/fac" >
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="report-lab.xml" xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:role="http://www.xbrl.org/2003/role/referencesLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="report-ref.xml" xlink:title="References Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="report-pre.xml" xlink:title="Presentation Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="report-cal.xml" xlink:title="Calculation Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="report-def.xml" xlink:title="Definition Links, all" />
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/BalanceSheetUnclassified" id="BalanceSheetUnclassified">
        <link:definition>13.0-Balance Sheet Unclassified (BSU)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC6T" id="IncomeStatementMultiStepSPEC6T">
        <link:definition>21.2-Income Statement Multi Step (SPEC6T)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/BalanceSheetClassifiedAlternative" id="BalanceSheetClassifiedAlternative">
        <link:definition>11.1-Balance Sheet Classified Alternative (BSC2)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/BalanceSheetClassified" id="BalanceSheetClassified">
        <link:definition>11.0-Balance Sheet Classified (BSC)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/BalanceSheetCapitalization" id="BalanceSheetCapitalization">
        <link:definition>14.0-Balance Sheet Capitalization (BSR)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC6" id="IncomeStatementMultiStepSPEC6">
        <link:definition>21.0-Income Statement Multi Step (SPEC6)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/BalanceSheetNetAssets" id="BalanceSheetNetAssets">
        <link:definition>15.0-Balance Sheet Net Assets (BSNA)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC1A" id="IncomeStatementMultiStepSPEC1A">
        <link:definition>22.1-Income Statement Multi Step (SPEC1A)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC4" id="IncomeStatementMultiStepSPEC4">
        <link:definition>28.0-Income Statement Multi Step (SPEC4)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC1T" id="IncomeStatementMultiStepSPEC1T">
        <link:definition>22.2-Income Statement Multi Step (SPEC1T)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatement3StepGP" id="IncomeStatement3StepGP">
        <link:definition>39.0-Income Statement 3 Step GP</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementREITSingleStep" id="IncomeStatementREITSingleStep">
        <link:definition>58.0-Income Statement REIT Single Step</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/StatementOfComprehensiveIncome2" id="StatementOfComprehensiveIncome2">
        <link:definition>91.1-Statement of Comprehensive Income 2</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI" id="IncomeStatementSecuritiesBasedIncome3_CITI">
        <link:definition>60.9-Income Statement Securities Based Income (3 CITI)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC1" id="IncomeStatementMultiStepSPEC1">
        <link:definition>22.0-Income Statement Multi Step (SPEC1)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStep_IEMI_Taxes" id="IncomeStatementMultiStep_IEMI_Taxes">
        <link:definition>61.0-Income Statement Multi Step IEMI Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC8" id="IncomeStatementMultiStepSPEC8">
        <link:definition>31.0-Income Statement Multi Step (SPEC8)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC2T" id="IncomeStatementMultiStepSPEC2T">
        <link:definition>23.3-Income Statement Multi Step (SPEC2T)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatement3Step_IEMI_Taxes" id="IncomeStatement3Step_IEMI_Taxes">
        <link:definition>38.0-Income Statement 3 Step IEMI Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementSingleStepWithoutOperatingIncome_NoExpenseTotal" id="IncomeStatementSingleStepWithoutOperatingIncome_NoExpenseTotal">
        <link:definition>33.5-Income Statement Single Step Without Operating Income No Expense Total</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementSingleStepWithoutOperatingIncome_IEMI_Taxes" id="IncomeStatementSingleStepWithoutOperatingIncome_IEMI_Taxes">
        <link:definition>33.1-Income Statement Single Step Without Operating Income, IEMI Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementInterestBasedRevenues" id="IncomeStatementInterestBasedRevenues">
        <link:definition>51.0-Income Statement Interest Based Revenues</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC6TE" id="IncomeStatementMultiStepSPEC6TE">
        <link:definition>21.3-Income Statement Multi Step (SPEC6TE)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementInsuranceBasedRevenues_IEMI_Taxes" id="IncomeStatementInsuranceBasedRevenues_IEMI_Taxes">
        <link:definition>55.1-Income Statement Insurance Based Revenues IEMI Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementSingleStepWithoutOperatingIncome" id="IncomeStatementSingleStepWithoutOperatingIncome">
        <link:definition>33.0-Income Statement Single Step Without Operating Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/NetCashFlowBreakdown2" id="NetCashFlowBreakdown2">
        <link:definition>85.2-Net Cash Flow Breakdown 2</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/StatementOfComprehensiveIncome" id="StatementOfComprehensiveIncome">
        <link:definition>91.0-Statement of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatement3StepGP2" id="IncomeStatement3StepGP2">
        <link:definition>40.0-Income Statement 3 Step GP2</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/ComprehensiveIncomeBreakdown" id="ComprehensiveIncomeBreakdown">
        <link:definition>95.0-Comprehensive Income Breakdown</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementSingleStep" id="IncomeStatementSingleStep">
        <link:definition>72.0-Income Statement (Single Step)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStep" id="IncomeStatementMultiStep">
        <link:definition>71.0-Income Statement (Multi Step)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatement3Step" id="IncomeStatement3Step">
        <link:definition>36.0-Income Statement 3 Step</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementREITSingleStep_IEMI_Taxes" id="IncomeStatementREITSingleStep_IEMI_Taxes">
        <link:definition>58.1-Income Statement REIT Single Step IEMI Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/ContinuingDiscontuedBreakdown" id="ContinuingDiscontuedBreakdown">
        <link:definition>96.1-Continuing Discontued Breakdown</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/NetCashFlowBreakdown" id="NetCashFlowBreakdown">
        <link:definition>85.1-Net Cash Flow Breakdown</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC2" id="IncomeStatementMultiStepSPEC2">
        <link:definition>23.0-Income Statement Multi Step (SPEC2)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC2A" id="IncomeStatementMultiStepSPEC2A">
        <link:definition>23.2-Income Statement Multi Step (SPEC2A)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepSPEC9" id="IncomeStatementMultiStepSPEC9">
        <link:definition>32.0-Income Statement Multi Step (SPEC9)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatement3Step_CostsAndExpenses" id="IncomeStatement3Step_CostsAndExpenses">
        <link:definition>37.0-Income Statement 3 Step Costs and Expenses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementMultiStepWithoutOperatingIncome" id="IncomeStatementMultiStepWithoutOperatingIncome">
        <link:definition>62.0-Income Statement Multi Step Without Operating Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/NetIncomeLossAvailableToCommonBreakdown" id="NetIncomeLossAvailableToCommonBreakdown">
        <link:definition>76.0-Net Income (Loss) Available To Common Breakdown</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/CashFlowStatement" id="CashFlowStatement">
        <link:definition>81.0-Cash Flow Statement</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/IncomeStatementInsuranceBasedRevenues" id="IncomeStatementInsuranceBasedRevenues">
        <link:definition>55.0-Income Statement Insurance Based Revenues</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/NetIncomeLossBreakdown" id="NetIncomeLossBreakdown">
        <link:definition>75.0-Net Income (Loss) Breakdown</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://luca.auditchain.finance/fac/role/CashFlowStatement2" id="CashFlowStatement2">
        <link:definition>81.1-Cash Flow Statement2</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>generic:link</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xsd:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <xsd:element name="BalanceSheetLineItems" id="fac_BalanceSheetLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BalanceSheetClassifiedHypercube" id="fac_BalanceSheetClassifiedHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CapitalizationRollUp" id="fac_CapitalizationRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CurrentLiabilities" id="fac_CurrentLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="OtherNoncurrentAssetsOfRegulatedEntity" id="fac_OtherNoncurrentAssetsOfRegulatedEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="NoncurrentLiabilities" id="fac_NoncurrentLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="LiabilitiesRollUp" id="fac_LiabilitiesRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeLossFromEquityMethodInvestments" id="fac_IncomeLossFromEquityMethodInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="CommitmentsAndContingencies" id="fac_CommitmentsAndContingencies" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="FixedAssets" id="fac_FixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="AssetsRollUp" id="fac_AssetsRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EquityAttributableToNoncontrollingInterest" id="fac_EquityAttributableToNoncontrollingInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="NoncurrentAssets" id="fac_NoncurrentAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="IncomeLossFromContinuingOperationsBeforeTaxRollUp" id="fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExciseAndSalesTaxes" id="fac_ExciseAndSalesTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="NoninterestExpense" id="fac_NoninterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="InterestAndDebtExpense" id="fac_InterestAndDebtExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="NetIncomeLossAttributableToNoncontrollingInterest" id="fac_NetIncomeLossAttributableToNoncontrollingInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="LiabilitiesEquityRollUp" id="fac_LiabilitiesEquityRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetAssetsLiabilitiesRollUp" id="fac_NetAssetsLiabilitiesRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonoperatingIncomeLossIncludingInterestAndDebtExpense" id="fac_NonoperatingIncomeLossIncludingInterestAndDebtExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="IncomeTaxExpenseBenefit" id="fac_IncomeTaxExpenseBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="InterestAndDividendIncomeOperating" id="fac_InterestAndDividendIncomeOperating" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="NetCashFlowBreakdownLineItems" id="fac_NetCashFlowBreakdownLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BenefitsCostsExpenses" id="fac_BenefitsCostsExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="RevenuesRollUp" id="fac_RevenuesRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RevenuesNetInterestExpenseRollUp" id="fac_RevenuesNetInterestExpenseRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetIncomeLossAvailableToCommonBreakdownLineItems" id="fac_NetIncomeLossAvailableToCommonBreakdownLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExchangeGainsLosses" id="fac_ExchangeGainsLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeLoss" id="fac_OtherComprehensiveIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="NonoperatingIncomeLossIncludingInterestDebtExpenseRollUp" id="fac_NonoperatingIncomeLossIncludingInterestDebtExpenseRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetIncomeLossAvailableToCommonStockholdersBasicRollUp" id="fac_NetIncomeLossAvailableToCommonStockholdersBasicRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromFinancingActivitiesContinuing" id="fac_NetCashFlowFromFinancingActivitiesContinuing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeLossFromDiscontinuedOperationsNetOfTax" id="fac_IncomeLossFromDiscontinuedOperationsNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="CashFlowStatementHypercube" id="fac_CashFlowStatementHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromFinancingActivitiesRollUp" id="fac_NetCashFlowFromFinancingActivitiesRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowDiscontinuedRollUp" id="fac_NetCashFlowDiscontinuedRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="Equity" id="fac_Equity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="OtherThanFixedNoncurrentAssets" id="fac_OtherThanFixedNoncurrentAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="BalanceSheetUnclassifiedHypercube" id="fac_BalanceSheetUnclassifiedHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PublicUtilitiesPropertyPlantAndEquipmentNet" id="fac_PublicUtilitiesPropertyPlantAndEquipmentNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="NetCashFlowFromInvestingActivities" id="fac_NetCashFlowFromInvestingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowContinuingRollUp" id="fac_NetCashFlowContinuingRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="Assets" id="fac_Assets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="TemporaryEquity" id="fac_TemporaryEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="EquityRollUp" id="fac_EquityRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherOperatingIncomeExpenses" id="fac_OtherOperatingIncomeExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="InterestIncomeExpenseOperatingNet" id="fac_InterestIncomeExpenseOperatingNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="NoninterestIncome" id="fac_NoninterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee" id="fac_GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="ComprehensiveIncomeLoss" id="fac_ComprehensiveIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="CostsAndExpenses" id="fac_CostsAndExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="OperatingAndNonoperatingRevenues" id="fac_OperatingAndNonoperatingRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="InterestIncomeExpenseNetRollUp" id="fac_InterestIncomeExpenseNetRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeStatementSecuritiesBasedIncomeHypercube" id="fac_IncomeStatementSecuritiesBasedIncomeHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromOperatingActivitiesContinuing" id="fac_NetCashFlowFromOperatingActivitiesContinuing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromFinancingActivities" id="fac_NetCashFlowFromFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OperatingIncomeLossRollUp" id="fac_OperatingIncomeLossRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeLossFromContinuingOperationsAfterTax" id="fac_IncomeLossFromContinuingOperationsAfterTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="InterestIncomeExpenseAfterProvisionForLossesRollUp" id="fac_InterestIncomeExpenseAfterProvisionForLossesRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestExpense" id="fac_InterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="NetCashFlowFromInvestingActivitiesDiscontinued" id="fac_NetCashFlowFromInvestingActivitiesDiscontinued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromFinancingActivitiesDiscontinued" id="fac_NetCashFlowFromFinancingActivitiesDiscontinued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowContinuing" id="fac_NetCashFlowContinuing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ComprehensiveIncomeLossAttributableToParent" id="fac_ComprehensiveIncomeLossAttributableToParent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="NetIncomeLossBreakdownHypercube" id="fac_NetIncomeLossBreakdownHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowBreakdownHypercube" id="fac_NetCashFlowBreakdownHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeLossFromContinuingOperationsAfterTaxRollUp" id="fac_IncomeLossFromContinuingOperationsAfterTaxRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeLossFromContinuingOperationsBeforeTax" id="fac_IncomeLossFromContinuingOperationsBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="InterestIncomeExpenseAfterProvisionForLosses" id="fac_InterestIncomeExpenseAfterProvisionForLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="CashFlowStatementLineItems" id="fac_CashFlowStatementLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowRollUp" id="fac_NetCashFlowRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromOperatingActivitiesDiscontinued" id="fac_NetCashFlowFromOperatingActivitiesDiscontinued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromInvestingActivitiesContinuing" id="fac_NetCashFlowFromInvestingActivitiesContinuing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ComprehensiveIncomeLossRollUp" id="fac_ComprehensiveIncomeLossRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ComprehensiveIncomeLossBreakdownHypercube" id="fac_ComprehensiveIncomeLossBreakdownHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="Liabilities" id="fac_Liabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="LiabilitiesAndEquity" id="fac_LiabilitiesAndEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="OperatingExpenses" id="fac_OperatingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="NetIncomeLoss" id="fac_NetIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="IncomeStatementInterestBasedRevenuesHypercube" id="fac_IncomeStatementInterestBasedRevenuesHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CostsExpensesRollUp" id="fac_CostsExpensesRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetIncomeLossAvailableToCommonStockholdersBasic" id="fac_NetIncomeLossAvailableToCommonStockholdersBasic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="NetCashFlowFromOperatingActivities" id="fac_NetCashFlowFromOperatingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromInvestingActivitiesRollUp" id="fac_NetCashFlowFromInvestingActivitiesRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CurrentAssets" id="fac_CurrentAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="IncomeStatementSingleStepHypercube" id="fac_IncomeStatementSingleStepHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeStatementLineItems" id="fac_IncomeStatementLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GrossProfitRollUp" id="fac_GrossProfitRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeStatementInsuranceBasedRevenuesHypercube" id="fac_IncomeStatementInsuranceBasedRevenuesHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetIncomeLossAttributableToParent" id="fac_NetIncomeLossAttributableToParent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="EquityAttributableToParent" id="fac_EquityAttributableToParent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="OtherNoncurrentLiabilitiesOfRegulatedEntity" id="fac_OtherNoncurrentLiabilitiesOfRegulatedEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="NetAssetsLiabilities" id="fac_NetAssetsLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="Revenues" id="fac_Revenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="OperatingIncomeLoss" id="fac_OperatingIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="OperatingAndNonoperatingCostsAndExpenses" id="fac_OperatingAndNonoperatingCostsAndExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="InterestExpenseOperating" id="fac_InterestExpenseOperating" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="ProvisionForLoanLeaseAndOtherLosses" id="fac_ProvisionForLoanLeaseAndOtherLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome" id="fac_GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="GainLossOnSalePropertiesNetTax" id="fac_GainLossOnSalePropertiesNetTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="NetIncomeLossBreakdownLineItems" id="fac_NetIncomeLossBreakdownLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowFromOperatingActivitiesRollUp" id="fac_NetCashFlowFromOperatingActivitiesRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetCashFlowDiscontinued" id="fac_NetCashFlowDiscontinued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ComprehensiveIncomeLossBreakdownLineItems" id="fac_ComprehensiveIncomeLossBreakdownLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="Capitalization" id="fac_Capitalization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="CostOfRevenue" id="fac_CostOfRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="GrossProfit" id="fac_GrossProfit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="IndirectOperatingNonoperatingCostsExpenses" id="fac_IndirectOperatingNonoperatingCostsExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="RevenuesNetInterestExpense" id="fac_RevenuesNetInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="IncomeStatementMultiStepHypercube" id="fac_IncomeStatementMultiStepHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetIncomeLossAvailableToCommonBreakdownHypercube" id="fac_NetIncomeLossAvailableToCommonBreakdownHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PreferredStockDividendsAndOtherAdjustments" id="fac_PreferredStockDividendsAndOtherAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="NetCashFlow" id="fac_NetCashFlow" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StatementComprehensiveIncomeLossHypercube" id="fac_StatementComprehensiveIncomeLossHypercube" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LongTermDebt" id="fac_LongTermDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="NetIncomeLossRollUp" id="fac_NetIncomeLossRollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonoperatingIncomeLoss" id="fac_NonoperatingIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="StatementComprehensiveIncomeLossLineItems" id="fac_StatementComprehensiveIncomeLossLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ComprehensiveIncomeLossAttributableToNoncontrollingInterest" id="fac_ComprehensiveIncomeLossAttributableToNoncontrollingInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
</xsd:schema>